Bank Transfers
Euro Transfers
can be made between accounts held by the same account holder, between accounts held by different account holders, and to accounts of budgetary authorities.
Incoming:
- The Bank receives non-budget payments in euro, on the same day until 19:45 on every business day excluding Saturdays and Sundays;
- The Bank receives budget payments in euro, on the same day until 16:00.
Outgoing:
The Bank executes interbank transfers through:
• BISERA (for standard payments up to 999 999 999.99 EUR)
• blink/SEPA Instant (for instant payments up to 15 000 EUR).
Cut-off Times for Accepting Payment Orders at a branch for D Commerce Bank:
interbank transfers through BISERA | The Bank accepts orders for non-budget payments in euro, which are executed on the same day:
The Bank accepts orders for budget payments in euro, which are executed on the same day:
|
interbank transfers through blink/SEPA Instant | 24/7 |
Cash Transfers:
These are made in the sender’s name without an account having been opened with the Bank.
The funds to be transferred and the transfer fee are paid in cash at a teller desk by the sender.
For transfers over 5000 EUR, the Bank requires the sender to provide the same documents as when opening an account, as well as a Declaration of Source of Funds.
Acceptance and Execution Times:
For transfers through BISERA:
- Payment orders received on paper by 16:45 are executed on the same business day
- Payment orders received on paper after 16:45 are executed on the next business day
- Payment orders placed through the Bank’s digital channels by 19:45 are executed on the same business day, excluding Saturdays and Sundays
- Payment orders placed through the Bank’s digital channels after 19:45 are executed on the next business day
blink instant payments:
DBank offers its customers the option to send and receive instant blink payments in euro through its DBank Online banking service.
Benefits:
- Convenience – the service is available 24/7, 365 days a year, easily and conveniently through DBank Online;
- Speed – executed in seconds;
- No high fees – the fee for a blink transfer is the same as for a standard euro transfer through DBank Online.
Key features of an instant blink transfer:
If your account supports blink transfers and meets the criteria for an instant transfer, it is executed automatically, with no further action required from you.
- Maximum limit per transaction – up to 15 000 EUR;
- Transfer type – euro credit transfer;
- Transfer direction – incoming/outgoing transfer to other payment service providers in the country;
- For individuals and legal entities with active DBank Online access;
- Currency – euro;
- Execution channel – DBank Online banking – online.dbank.bg
How Does It Work?
- Open/sign in to your DBank Online banking;
- Create a new transfer – from Operations – Domestic Payments, select Instant Transfer;
- Complete the transfer fields – beneficiary name, IBAN and amount – and send it.
* Instant euro payments under the blink programme of the National Card and Payment Scheme, part of BORICA AD, are available only between payment service providers that have joined and participate in the programme. You can find the current list of participating payment service providers here.
** The execution of instant blink payments in euro is governed by the current Fees and Commissions Tariff for Personal Customers, Fees and Commissions Tariff for Business Customers, General Terms and Conditions for Opening, Servicing and Closing Bank Accounts for Individuals, General Terms and Conditions for Opening, Servicing and Closing Bank Accounts for Legal Entities and Sole Traders
*** Instant blink payments are available only for accounts in euro.
**** Deposit and settlement accounts are not ineligible for incoming blink payments.
***** Instant blink payments are not available for budget transfers, recurring payments or direct debits
